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Enova International, Inc.（ENVA）与RUSH ENTERPRISES INC \TX\（RUSHA）财务数据对比。点击上方公司名可切换其他公司
RUSH ENTERPRISES INC \TX\的季度营收约是Enova International, Inc.的1.9倍（$1.7B vs $875.1M），Enova International, Inc.净利率更高（10.4% vs 3.7%，领先6.7%），Enova International, Inc.同比增速更快（17.4% vs -9.0%），过去两年Enova International, Inc.的营收复合增速更高（18.0% vs -6.8%）
Enova International是一家全球金融科技企业，提供短期消费贷款、小微企业融资等线上金融服务，主要覆盖北美、南美及欧洲市场，依托先进数据分析技术评估用户信用，为传统金融覆盖不足的群体提供定制化金融产品。
Rush Enterprises是总部位于美国得克萨斯州新布朗费尔斯的商用车经销商，核心业务是通过旗下Rush Truck Centers销售全新及二手卡车。2019年该公司在全美20个州运营超200家卡车中心，在加拿大设有14个网点，2020年入选财富500强榜单。
ENVA vs RUSHA — 直观对比
营收规模更大
RUSHA
是对方的1.9倍
$875.1M
营收增速更快
ENVA
高出26.4%
-9.0%
净利率更高
ENVA
高出6.7%
3.7%
两年增速更快
ENVA
近两年复合增速
-6.8%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $875.1M | $1.7B |
| 净利润 | $91.1M | $61.7M |
| 毛利率 | — | 20.4% |
| 营业利润率 | 23.7% | 4.9% |
| 净利率 | 10.4% | 3.7% |
| 营收同比 | 17.4% | -9.0% |
| 净利润同比 | 24.9% | 1.8% |
| 每股收益（稀释后） | $3.46 | $0.77 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收ENVARUSHA
| Q1 26 | $875.1M | $1.7B | ||
| Q4 25 | $839.4M | $1.7B | ||
| Q3 25 | $802.7M | $1.8B | ||
| Q2 25 | $764.0M | $1.8B | ||
| Q1 25 | $745.5M | $1.8B | ||
| Q4 24 | $729.6M | $1.9B | ||
| Q3 24 | $689.9M | $1.8B | ||
| Q2 24 | $628.4M | $1.9B |
净利润ENVARUSHA
| Q1 26 | $91.1M | $61.7M | ||
| Q4 25 | $79.0M | $64.3M | ||
| Q3 25 | $80.3M | $66.7M | ||
| Q2 25 | $76.1M | $72.4M | ||
| Q1 25 | $72.9M | $60.3M | ||
| Q4 24 | $63.7M | $74.8M | ||
| Q3 24 | $43.4M | $79.1M | ||
| Q2 24 | $53.9M | $78.7M |
毛利率ENVARUSHA
| Q1 26 | — | 20.4% | ||
| Q4 25 | 59.8% | 20.8% | ||
| Q3 25 | 57.4% | 21.0% | ||
| Q2 25 | 57.8% | 20.7% | ||
| Q1 25 | 57.2% | 20.3% | ||
| Q4 24 | 56.6% | 19.3% | ||
| Q3 24 | 58.0% | 21.0% | ||
| Q2 24 | 58.9% | 20.2% |
营业利润率ENVARUSHA
| Q1 26 | 23.7% | 4.9% | ||
| Q4 25 | 22.2% | 5.5% | ||
| Q3 25 | 24.5% | 5.6% | ||
| Q2 25 | 24.1% | 6.0% | ||
| Q1 25 | 23.1% | 5.2% | ||
| Q4 24 | 21.3% | 5.8% | ||
| Q3 24 | 22.3% | 6.7% | ||
| Q2 24 | 23.1% | 6.4% |
净利率ENVARUSHA
| Q1 26 | 10.4% | 3.7% | ||
| Q4 25 | 9.4% | 3.8% | ||
| Q3 25 | 10.0% | 3.7% | ||
| Q2 25 | 10.0% | 3.9% | ||
| Q1 25 | 9.8% | 3.4% | ||
| Q4 24 | 8.7% | 3.9% | ||
| Q3 24 | 6.3% | 4.4% | ||
| Q2 24 | 8.6% | 4.1% |
每股收益（稀释后）ENVARUSHA
| Q1 26 | $3.46 | $0.77 | ||
| Q4 25 | $2.94 | $0.81 | ||
| Q3 25 | $3.03 | $0.83 | ||
| Q2 25 | $2.86 | $0.90 | ||
| Q1 25 | $2.69 | $0.73 | ||
| Q4 24 | $2.29 | $-95.13 | ||
| Q3 24 | $1.57 | $0.97 | ||
| Q2 24 | $1.93 | $97.00 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $96.1M | — |
| 总债务越低越好 | $4.8B | $277.8M |
| 股东权益账面价值 | — | $2.3B |
| 总资产 | $6.9B | $4.5B |
| 负债/权益比越低杠杆越低 | — | 0.12× |
8季度趋势，按日历期对齐
现金及短期投资ENVARUSHA
| Q1 26 | $96.1M | — | ||
| Q4 25 | $71.7M | $212.6M | ||
| Q3 25 | $53.6M | $242.0M | ||
| Q2 25 | $55.6M | $211.1M | ||
| Q1 25 | $55.5M | $228.7M | ||
| Q4 24 | $73.9M | $228.1M | ||
| Q3 24 | $67.5M | $185.1M | ||
| Q2 24 | $60.1M | $167.3M |
总债务ENVARUSHA
| Q1 26 | $4.8B | $277.8M | ||
| Q4 25 | $4.5B | $274.8M | ||
| Q3 25 | $4.1B | — | ||
| Q2 25 | $4.0B | — | ||
| Q1 25 | $3.8B | — | ||
| Q4 24 | $3.6B | $408.4M | ||
| Q3 24 | $3.3B | — | ||
| Q2 24 | $3.2B | — |
股东权益ENVARUSHA
| Q1 26 | — | $2.3B | ||
| Q4 25 | $1.3B | $2.2B | ||
| Q3 25 | $1.3B | $2.2B | ||
| Q2 25 | $1.2B | $2.2B | ||
| Q1 25 | $1.2B | $2.2B | ||
| Q4 24 | $1.2B | $2.1B | ||
| Q3 24 | $1.2B | $2.1B | ||
| Q2 24 | $1.1B | $2.0B |
总资产ENVARUSHA
| Q1 26 | $6.9B | $4.5B | ||
| Q4 25 | $6.5B | $4.4B | ||
| Q3 25 | $6.0B | $4.6B | ||
| Q2 25 | $5.7B | $4.7B | ||
| Q1 25 | $5.5B | $4.7B | ||
| Q4 24 | $5.3B | $4.6B | ||
| Q3 24 | $5.0B | $4.6B | ||
| Q2 24 | $4.8B | $4.5B |
负债/权益比ENVARUSHA
| Q1 26 | — | 0.12× | ||
| Q4 25 | 3.37× | 0.12× | ||
| Q3 25 | 3.20× | — | ||
| Q2 25 | 3.23× | — | ||
| Q1 25 | 3.14× | — | ||
| Q4 24 | 2.98× | 0.19× | ||
| Q3 24 | 2.79× | — | ||
| Q2 24 | 2.78× | — |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | — | — |
| 自由现金流经营现金流 - 资本支出 | — | $411.6M |
| 自由现金流率自由现金流/营收 | — | 24.4% |
| 资本支出强度资本支出/营收 | — | 2.0% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $828.4M |
8季度趋势，按日历期对齐
经营现金流ENVARUSHA
| Q1 26 | — | — | ||
| Q4 25 | $498.8M | $112.9M | ||
| Q3 25 | $481.8M | $367.8M | ||
| Q2 25 | $447.4M | $227.6M | ||
| Q1 25 | $391.1M | $153.5M | ||
| Q4 24 | $430.5M | $392.3M | ||
| Q3 24 | $398.6M | $111.7M | ||
| Q2 24 | $360.9M | $270.6M |
自由现金流ENVARUSHA
| Q1 26 | — | $411.6M | ||
| Q4 25 | $487.1M | $31.9M | ||
| Q3 25 | $470.5M | $271.2M | ||
| Q2 25 | $436.1M | $113.8M | ||
| Q1 25 | $378.3M | $45.1M | ||
| Q4 24 | $420.3M | $263.5M | ||
| Q3 24 | $387.6M | $-20.0M | ||
| Q2 24 | $349.9M | $177.2M |
自由现金流率ENVARUSHA
| Q1 26 | — | 24.4% | ||
| Q4 25 | 58.0% | 1.9% | ||
| Q3 25 | 58.6% | 15.2% | ||
| Q2 25 | 57.1% | 6.2% | ||
| Q1 25 | 50.7% | 2.6% | ||
| Q4 24 | 57.6% | 13.7% | ||
| Q3 24 | 56.2% | -1.1% | ||
| Q2 24 | 55.7% | 9.1% |
资本支出强度ENVARUSHA
| Q1 26 | — | 2.0% | ||
| Q4 25 | 1.4% | 4.8% | ||
| Q3 25 | 1.4% | 5.4% | ||
| Q2 25 | 1.5% | 6.2% | ||
| Q1 25 | 1.7% | 6.2% | ||
| Q4 24 | 1.4% | 6.7% | ||
| Q3 24 | 1.6% | 7.3% | ||
| Q2 24 | 1.8% | 4.8% |
现金转化率ENVARUSHA
| Q1 26 | — | — | ||
| Q4 25 | 6.32× | 1.75× | ||
| Q3 25 | 6.00× | 5.51× | ||
| Q2 25 | 5.87× | 3.14× | ||
| Q1 25 | 5.36× | 2.55× | ||
| Q4 24 | 6.76× | 5.25× | ||
| Q3 24 | 9.18× | 1.41× | ||
| Q2 24 | 6.70× | 3.44× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
ENVA
暂无分部数据
RUSHA
| New and used commercial vehicle sales | $955.1M | 57% |
| Aftermarket products and services sales | $627.2M | 37% |
| Lease and rental sales | $92.3M | 5% |
| Finance and insurance | $5.6M | 0% |
